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The Complete eCheck Payment Guide

    Hsin-Wei Luang
  • 6 comments
  • Updated on:
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Hsin-Wei Luang

Hsin-Wei Luang

Contributor
Hsin-Wei is a freelance writer focused on small business and technology writing. Before becoming a writer, she worked as a techie lawyer for many years until she came to her senses. Now, in her spare time, she plays frisbee with her Mini Australian Shepherd dog.

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6 Comments

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    Martha C. Ewell

    what about a consumer’s rights?
    If I purchase something online and pay by echeck, do I have ANY recourse if i never receive what I paid for?
    Are there any laws protecting consumer or are we just out of luck and out of our money?
    Thanks

      Jessica Dinsmore

      Hi Martha,

      That’s so frustrating, and a very good question! Our primary focus is the small business owner (“making small business easy”), so our content is typically written with the merchant experience in mind. However, (in similar situations I have successfully disputed charges through my bank, or BBB, but) there is a bit in this post about consumer recourse–hopefully, it helps point you toward a resolution. Best of luck with getting this resolved!

      “…the Check 21 Act governs echeck disputes. Specifically, a consumer generally has 40 days to dispute an echeck, and the bank generally has 10 days to investigate (see 12 USC Sec. 5006).”

        Ron Bonnell

        You would think in something called “The Complete eCheck Payment Guide”, they would give you some hint of where you could get eChecks from. Is Deluxe the only choice? If I want to send someone an eCheck what do I do? You say nothing about any of this.

          This comment refers to an earlier version of this post and may be outdated.

          Emily Hale

          Hi Ron,

          Thanks for your question. Hopefully I can clear up the confusion about eChecks. The goal of this post is to guide merchants in the world of accepting eChecks. As a customer, eChecks aren’t something you can purchase and send in that sense. You can only pay with an eCheck if the merchant you are doing business with has that as an option at their payment screen. If you are interested in learning more about sending cash to individuals, however, you can check out our Venmo Review. Hope this helps and best of luck.

            This comment refers to an earlier version of this post and may be outdated.

            Sam Debs

            That’s exactly Ron’s point.
            Say someone want me to pay Via an Echeck.
            At this site I see:

            Payment Option:
            E-Check (Green Money E-check provider)
            Then there are 2 fields to fill:
            Routing Number and Account Number.

            So what do I do from here? Just copy information from my Paper Cehck or do I have to use Green Money to write an echeck?

            This is all confusing.

              This comment refers to an earlier version of this post and may be outdated.

              Jessica Dinsmore

              Hi Sam,

              Sorry this is so confusing. As the customer paying via echeck, it really is as simple as entering your routing number and account number. You can absolutely copy this information directly from any of your paper checks! You are doing it correctly.

              In this case, Green Money is just the name of the echeck processing company used by the merchant you are trying to pay. Payment processors are sometimes called payment “providers,” so I understand why that would be confusing. Green Money is not providing you with any echecks. It’s just the technology that’s “provided” by Green Money that’s allowing this merchant to process echeck transactions.

                This comment refers to an earlier version of this post and may be outdated.

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